Having data backups is crucial. Data loss can come in many forms ranging from hardware failure to accidental deletion of important files.
There are various useful tools which make this proactive data management easy.
Below is a useful infographic about data loss & recovery, along with statistics about the same.
[Source :Data Loss and Recovery. An infographic by EaseUS]
So, do remember to have a data backup/recovery solution regardless of the scope of user functions (individual users or enterprise users).